| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 4.03% |
| BERNIE FALCO3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | ALLSTATE | $33K | $0 | $33K | 22.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Custodial (securities); Claims processing; Other services Service code 12 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $305K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $765K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 844 | $157K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 844 | $157K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 988 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 988 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 988 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 988 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.